US EditionWhat Does the New Cap on Student Loans Mean for Future Doctors?
CALIFORNIA, JUL 15 – New federal caps will limit medical students to $200,000 in lifetime federal loans, pushing many in California to seek costly private loans and potentially reducing future doctors, experts say.
- On July 1, 2026, the federal cap takes effect, limiting professional degree borrowing to $50,000 annually and $257,000 over a lifetime, signed into law by President Donald Trump.
- Previously, graduate students could borrow up to program cost with Grad PLUS loans, explaining the shift as Congress eliminated the program.
- New figures reveal high debt levels at UC campuses, with UC graduates owing over $200,000, including 10% at UCLA and UC San Diego borrowing more than $255,000.
- Private loans offer fewer protections and no federal forgiveness, as Marshall Biven, a second-year medical student at Creighton University, shows rising reliance on private debt, while noting reduced borrower safeguards.
- Amid projected shortages, Harper said, California's regions are facing slowed efforts to build the physician workforce, highlighting urgency.
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What does the new cap on student loans mean for future doctors?
The 900-page bill eliminates a 2006 program called Grad PLUS, which allowed students to borrow money up to the full cost of attendance.
·Oklahoma City, United States
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Total News Sources29
Leaning Left3Leaning Right1Center13Last UpdatedBias Distribution76% Center
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- 76% of the sources are Center
76% Center
L 18%
C 76%
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